How Much Does 2016 Acura RDX Insurance Cost?

Shoppers have a choice when shopping for the lowest priced Acura RDX insurance. You can either spend your time driving around trying to get quotes or use the internet to find the lowest rates.

There are both good and bad ways to find insurance online and we’ll show you the absolute fastest way to quote coverages for your Acura and find the lowest possible price either online or from local insurance agents.

Consumers need to compare premium rates yearly because insurance prices change quite often. Even if you got the lowest quotes on RDX coverage a year ago you will most likely find a better rate today. There is lot of inaccurate information about insurance on the internet, but we’re going to give you some guaranteed methods to lower your insurance bill.

Why smart buyers pay less for Acura RDX insurance

Lots of things are used in the calculation when pricing auto insurance. Some factors are common sense like an MVR report, but some are more transparent like your continuous coverage or how safe your car is.

The list below includes some of the things that factor into your rates.

  • Filing claims can increase rates – If you tend to file frequent claims, don’t be surprised to see either policy cancellation or increased premiums. Car insurance companies provide most affordable rates to drivers who are not frequent claim filers. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
  • Miles driven impacts rates – The higher the mileage driven in a year’s time the higher your rate. Almost all companies apply a rate based upon how the vehicle is primarily used. Autos that do not get driven very much qualify for better rates than vehicles that are driven to work every day. Improper usage on your RDX may be costing you higher rates. Verify your insurance coverage policy properly reflects the right rating data.
  • How’s your driving record? – Having just one chargable violation may increase your cost to the point where it’s not affordable. Good drivers get better prices compared to bad drivers. Drivers who have gotten serious citations like DUI or willful reckless driving may find they need to file a SR-22 with the DMV in their state in order to keep their license.
  • Always have insurance coverage – Allowing your coverage to lapse can be a fast way to increase your renewal premiums. Not only will rates go up, getting caught without coverage can result in a revoked license or a big fine.
  • Liability protection preserves assets – The liability coverage on your policy kicks in in the event that you are ruled to be at fault for an accident. This coverage provides legal defense coverage which can be incredibly expensive. It is affordable coverage compared to other policy coverages, so drivers should carry high limits.
  • Small coverages can add up – There are a lot of add-on coverages that you can get tricked into buying when buying insurance coverage. Insurance for things like rental car reimbursement, high-cost glass coverage, and extra equipment coverage could be just wasting money. The coverages may be enticing at first, but if they’re wasting money consider taking them off your policy.
  • Save money with high credit – Having a bad credit score is likely to be a major factor in calculating your premium rate. Drivers who have good credit tend to be more responsible than those with lower credit ratings. So if your credit history leaves room for improvement, you may save money insuring your 2016 Acura RDX by improving your rating.

The cheapest auto insurance quotes online

All the larger auto insurance companies such as Allstate, Geico and Progressive give price estimates directly from their websites. Doing online price comparisons is fairly simple because it’s just a matter of typing in the amount of coverage you want on the page. When the form is submitted, the system automatically retrieves reports for credit and driving violations and generates pricing information based on the information you submitted.

Online price quotes makes it a lot easier to compare rates but the process of having to visit several different sites and complete many quote forms gets old quite quickly. Unfortunately, it is important to do this if you are searching for lower prices.

A quicker way to compare auto insurance pricing uses one simple form that analyzes rates from several companies at one time. The form is fast, eliminates repetitive work, and makes online price comparison much easier. As soon as the form is sent, your coverage is rated and you can select your choice of the price quotes you receive.

If a lower price is quoted, it’s easy to complete the application and purchase the new policy. It can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To quickly find out if lower rates are available, simply click here to open in new window and fill out the form. To compare your current rates, we recommend that you enter the coverages exactly as they are listed on your policy. Doing this assures you will receive a fair comparison for the exact same coverage.

Do car insurance companies bend the truth?

Consumers can’t escape the ads for cheaper car insurance by Allstate, Geico and Progressive. All the ads make the point about saving some big amount if you get a free car insurance quote and switch your coverage.

How is it possible that every company can offer drivers better rates? Just pay attention to how they say it.

Insurance companies can use profiling for the driver that will be a good risk. One example of a desirable risk might be over the age of 50, has a clean driving record, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” receive the lowest rate quotes and most likely will save some money.

Potential customers who don’t measure up to the ideal profile will see higher premium rates which results in the customer buying from a different company. If you listen closely, the ads state “people that switch” not “everyone who quotes” save that much when switching. That is how insurance companies can confidently make claims like that.

Because every company is different, you really should compare many company’s premium rates. It is impossible to guess which insurance companies will fit your personal profile best.

Insurance coverage policy discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not even know about. Some discounts will apply at the time you complete a quote, but occassionally some discounts must be manually applied before you will receive the discount. If you do not double check each discount you deserve, you may be paying too high a price.

  • Air Bags and Passive Restraints – Options like air bags or motorized seat belts can get savings of 20 to 30 percent.
  • Online Discount – A few larger online companies provide a small discount for completing your application on your computer.
  • Responsible Driver Discount – Drivers who avoid accidents may receive a discount up to 45% on RDX coverage than drivers with accident claims.
  • Discounts for Federal Employees – Federal government employees can earn a discount up to 10% on RDX coverage but check with your company.
  • Lower Rates for Military – Being on active deployment in the military can result in better premium rates.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

Popular insurance coverage companies and their offered discounts include:

  • American Family offers premium reductions for accident-free, Steer into Savings, TimeAway discount, early bird, and air bags.
  • State Farm includes discounts for student away at school, Drive Safe & Save, good student, multiple autos, and Steer Clear safe driver discount.
  • 21st Century discounts include good student, student driver, theft prevention, anti-lock brakes, homeowners, air bags, and driver training.
  • Travelers may have discounts that include multi-car, new car, continuous insurance, hybrid/electric vehicle, IntelliDrive, and student away at school.
  • Geico has discounts for multi-vehicle, anti-lock brakes, good student, membership and employees, and air bags.

Before purchasing a policy, check with every insurance company how many discounts you can get. Some of the discounts discussed earlier might not be offered everywhere. If you would like to choose from a list of insurance coverage companies who offer online insurance coverage quotes, click here.

How do I know if I need professional advice?

When buying the best insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether you could use an agent’s help.

  • How do I file an SR-22 for a DUI in my state?
  • Can I still get insurance after a DUI?
  • Why do I only qualify for high-risk insurance?
  • Exactly who is provided coverage by my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my 2016 Acura RDX need full coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Parts of your auto insurance policy

Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like prosthetic devices, pain medications, X-ray expenses, rehabilitation expenses and surgery. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to 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 provides protection from damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like emergency aid, structural damage, attorney fees, court costs and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

Collision coverage will pay to fix damage to your RDX caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, hitting a parking meter, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2016 Acura RDX.

Since many drivers only purchase the least amount of liability that is required, 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 your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

This coverage pays for 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 coverage pays for things like a broken windshield, hail damage, hitting a bird and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

In conclusion

Insureds change insurance companies for a number of reasons such as high prices, policy non-renewal, poor customer service or even not issuing a premium refund. Whatever your reason, switching auto insurance companies can be pretty painless.

You just read quite a bit of information on how to shop for 2016 Acura RDX insurance online. The key concept to understand is the more companies you get prices for, the more likely it is that you will get a better rate. You may even find the most savings is with a small mutual company.

Lower-priced 2016 Acura RDX insurance is available both online in addition to local insurance agencies, so you should compare both to get a complete price analysis. Some insurance companies do not offer online rate quotes and many times these smaller providers sell through independent insurance agencies.

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